The best regular savings accounts – earn up to 8%

Save every month for the best interest rates

The best-paying savings accounts are usually regular savers, which are where you pay into them regularly, usually monthly, with rates currently as high as 8%. Here are the top-paying ones, split by those that require you to open a current account first and those that don’t. Sometimes you’ll find loyalty accounts, which are ones that require you to have been a customer with them for a period to open one up.

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Best current account linked regular savers

Current account linked regular savers

Lloyds Bank Monthly Saver

Customer rating 4.1/5

• AER (fixed)

  8%
• Minimum

  £25
• Maximum

  £250 per month
• Open to

  Current account customers

Requires a Lloyds current account

• FSCS Protected? Yes
• Withdrawals allowed? Allowed without penalty
• Account closes After 12 months
• Maximum interest in one year £120

Santander Regular Saver

Customer rating 3.9/5

• AER (fixed)

  8%
• Minimum

  £1
• Maximum

  £200 per month
• Open to

  Current account customers

Requires a Santander current account

• Bonus Rate includes a variable bonus of 5% for the first 12 months
• FSCS Protected? Yes
• Account closes No - the rate will reduce to 3% after 12 months
• Maximum interest in one year £104

Zopa 6-month Regular Savings Account

Customer rating 4.9/5

• AER (variable)

  7.1%
• Minimum

  £1
• Maximum

  £300 per month
• Open to

  Current account customers

Requires Biscuit current account

• FSCS Protected? Yes
• Withdrawals allowed? You can make withdrawals whenever you want, and you can replace the money back into the account up to a maximum of £300 in each month. So if you withdraw £600, you can only put £300 back in.
• Account closes No
• Maximum interest in 6 months £37
• Auto-renews? Yes
• Carry over unused allowance? No

first direct Regular Savings Account

Customer rating 4.7/5

• AER (fixed)

  7%
• Minimum

  £1
• Maximum

  £300 per month
• Open to

  Current account customers

Requires First Direct current account.

• FSCS Protected? Yes
• Withdrawals allowed? Any withdrawal closes the account and reduces the interest paid
• Account closes After 12 months
• Maximum interest in one year £135
• Auto-renews? No
• Carry over unused allowance? Yes

The Co-operative Bank Regular Savings Account

Customer rating 3.7/5

• AER (fixed)

  7%
• Minimum

  £1
• Maximum

  £250 per month
• Open to

  Current account customers

Requires a Co-op Bank current account

• FSCS Protected? Yes
• Withdrawals allowed? Withdraw as you wish
• Account closes After 12 months
• Maximum interest in one year £114
• Auto-renews? No
• Carry over unused allowance? No

Nationwide Regular Savings Account

Customer rating 4.5/5

• AER (variable)

  6.5%
• Minimum

  £0
• Maximum

  £200 per month
• Open to

  Current account customers

Requires a Nationwide current account

• FSCS Protected? Yes
• Withdrawals allowed? You'll get a lower rate of 1.75% paid for rest of term if four or more withdrawals are made
• Account closes After 12 months it reverts to an instant saver account
• Maximum interest in one year £84
• Carry over unused allowance? No

Lloyds Bank Club Lloyds Regular Saver

Customer rating 4.1/5

• AER (variable)

  6.25%
• Minimum

  £25
• Maximum

  £400 per month
• Open to

  Current account customers

Requires a Lloyds current account

• FSCS Protected? Yes
• Withdrawals allowed? Allowed, but money can't be replaced beyond that month's allowance
• Account closes After 12 months
• Maximum interest in one year £161
• Carry over unused allowance? No

Bank of Scotland Monthly Saver

Customer rating 3.5/5

• AER (fixed)

  5.5%
• Minimum

  £25
• Maximum

  £250 per month
• Open to

  Current account customers

Requires a Bank of Scotland current account

• FSCS Protected? Yes
• Withdrawals allowed? Allowed without penalty
• Account closes After 12 months
• Maximum interest in one year £83

NatWest Digital Regular Saver

Customer rating 4.7/5

• AER (variable)

  5.25%
• Minimum

  £1
• Maximum

  £150 per month
• Open to

  Current account customers

Rate dropping to 5.25% on 19 January 2026. Requires a NatWest current account

• FSCS Protected? Yes
• Withdrawals allowed? Allowed without penalty
• Important details You only earn this rate on the first. £5,000 in the account, then 1.1% on any amount over £5,000
• Account closes No
• Maximum interest in one year £54

RBS Digital Regular Saver

Customer rating 4/5

• AER (variable)

  5.25%
• Minimum

  £1
• Maximum

  £150 per month
• Open to

  Current account customers

Rate dropping to 5.25% on 19 January 2026.. Requires an RBS current account

• FSCS Protected? Yes
• Withdrawals allowed? Allowed without penalty
• Important details You only earn this rate on the first. £5,000 in the account, then 1.1% on any amount over £5,000
• Account closes No
• Maximum interest in one year £54

TSB Monthly Saver Account

Customer rating 3.5/5

• AER (fixed)

  5%
• Minimum

  £25
• Maximum

  £250 per month
• Open to

  Current account customers

Requires a TSB current account

• FSCS Protected? Yes
• Withdrawals allowed? Allowed without penalty
• Account closes After 12 months
• Maximum interest in one year £71

Best regular savers for existing customers

You need to already be a customer of these companies, usually before a set date. But that’ll often get you a better rate.

Open to existing customers

Skipton Building Society Existing Member Regular Saver

Customer rating 4.4/5

• AER

  5.75%
• Minimum

  £1
• Maximum

  £250 a month
• Open to

  Existing customers

Must have continuously held a Skipton mortgage or savings account, starting on or before 10/11/25

• FSCS Protected? Yes
• Withdrawals allowed? No withdrawals allowed
• Rate details Rate tracks 2% above Bank of England Base Rate for 12 months
• Eligibility Must have continuously held a Skipton mortgage or savings account, starting on or before 10/11/25
• Account closes After 12 months
• Maximum interest in one year £93
• Auto-renews? No

Best regular savers that don’t require a current account

No current account required

Monmouthshire Building Society Regular Savings Account

Customer rating 4.8/5

• AER (variable)

  6%
• Minimum

  £1
• Maximum

  £500 per month
• Open to

  Everyone

• FSCS Protected? Yes
• Withdrawals allowed? Allowed without penalty
• Maximum interest in one year £194.55
• Carry over unused allowance? No
• Interest paid At the end of the 12 month period

Halifax Regular Saver

Customer rating 4.1/5

• AER (fixed)

  5.5%
• Minimum

  £25
• Maximum

  £250 per month
• Open to

  Everyone

• FSCS Protected? Yes
• Withdrawals allowed Only allowed with account closure
• Requirements Money must reach the account by the 25 of the month
• Account closes After 12 months
• Maximum interest in one year £89
• Auto-renews? No
• Carry over unused allowance? No

Skipton Building Society Regular Saver

Customer rating 4.4/5

• AER (variable)

  5.25%
• Minimum

  £1
• Maximum

  £200 per month
• Open to

  Everyone

• FSCS Protected? Yes
• Withdrawals allowed? No withdrawals allowed
• Rate details Rate tracks 1.5% above Bank of England Base Rate for 12 months
• Account closes After 12 months
• Maximum interest in one year £68
• Auto-renews? No

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What is a regular or monthly savings account?

These “Regular” or monthly saver accounts work differently to normal saving accounts.

For a start, there’s a limit to how much you can save each month, and the interest is calculated on the balance each month. With most, after 12 months the interest is paid and your saver (usually) closed. But you can then open up another and begin again.

These are ideal if you only have a certain amount of money to put aside each month, or to move money every month from a lower-paying easy access account. Here’s Andy’s full guide to how they work.

You can usually only open the top accounts if you have or open a current account with these banks, but that’s no reason to put you off. Look out for bank switching deals for some of these.

Other savings accounts

Head over to our daily updated best buy guide to all savings accounts to find the best rates in easy access, ISAs, fixed rate bonds and more.

The best savings accounts

Check out our list of the highest paying regular, easy-access, fixed and ethical savings accounts